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REBUILDING YOUR CREDIT

Will I Ever Be Able to Rebuild My Credit?

Yes, bankruptcy does hurt your credit rating and does make it difficult to get credit at a decent interest rate. However, the idea that you will never be able to get decent credit until the bankruptcy is off your credit report is absolutely not true. The truth is, you can rebuild your credit — and probably in a lot less time than you think.

How do you do that? Simple. Make a plan. Take one small step after another to follow it. In a fairly short time, you will be well on your way to achieving the goal.

At the Law Office of Ronald E. Cummings, we can show you how to start rebuilding your credit even while the bankruptcy is still pending. If you are struggling financially but have doubts about filing for bankruptcy because of what it would do to your credit rating — talk to our attorney about it and get your questions answered. The consultation is free and whether you hire us or not, you will leave our office with a much clearer idea of what your options really are.

To schedule that meeting, call our Will County law offices directly or contact us online.

Taking It One Small Step at a Time

The problems that can cause a person to file for bankruptcy usually don’t just happen overnight. Rebuilding credit doesn’t either. It takes some time and you do have to be careful.

For instance, if you entered into a reaffirmation agreement with a mortgage or auto lender as part of a Chapter 7 bankruptcy or if you are in a Chapter 13 plan and are making monthly payments to a trustee — you have to make those payments on time and as scheduled. If a problem arises that could cause you to be late, underpay or miss a payment — you should let the trustee or creditors know as soon as possible.

Disputing Errors on Your Credit Report

Credit reports issued by the major credit reporting agencies often contain errors — especially where common names are involved. Unfortunately, a new “ding” on the credit report looks especially bad for people who have recently gone through a bankruptcy. As a lawyer, Mr. Cummings can show you how to write an effective letter or e-mail disputing the misinformation. The reporting agency then has 30 to 60 days to either prove that their information is correct or to amend the report.

Free Bankruptcy Consultations ~ (815) 729-9212

Bankruptcy is not the end of the world. You can get credit again. For a free consultation regarding your bankruptcy or bankruptcy-related credit concerns — call or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.